Found the box truck you want? Get pre-approved before you sign.
22 years funding box trucks and cube vans. Hino, Isuzu, Freightliner, International, Ford — brand-agnostic, used welcome. Most of our box-truck calls are from Amazon DSPs, moving companies, and last-mile delivery operations adding capacity. One application, programs across every credit tier, real person on the phone.
What we finance
- 16ft to 20ft cube vans — Class 3-5 chassis. Common for furniture delivery, appliance delivery, courier and DSP operations.
- 24ft and 26ft box trucks — Class 6-7 chassis. The workhorse of moving and last-mile delivery. Hino 268, Isuzu NRR, Freightliner M2, International MV.
- Refrigerated box trucks (reefer bodies) — Carrier, Thermo King units. Food delivery, floral, pharmaceutical, catering supply.
- Liftgate-equipped trucks — tuck-under, rail, level-ride. Common spec for moving and appliance delivery.
- Box upfits on existing chassis — financing for the box body alone when you've got the chassis.
Who we fund
- Amazon DSPs adding capacity or replacing fleet vehicles. We understand the DSP contract structure and how it underwrites.
- Moving companies — established and startup. Local moves, long-distance, residential, commercial. Box-truck financing is core moving-company territory.
- Last-mile delivery operations — independent contractors for FedEx Ground, regional logistics, third-party last-mile networks.
- Furniture and appliance delivery services. Used 24ft trucks with liftgates are the typical spec.
- Refrigerated delivery operations — food service supply, floral, catering, pharmaceutical couriers.
International, Hino, Isuzu, Freightliner — brand-agnostic on every box truck
Box trucks come in a wide spread of configurations — Class 3-5 cube vans for furniture and appliance delivery, Class 6-7 24- and 26-footers with liftgates for moving and DSP operations, reefer bodies for food and floral delivery. International MV, Hino 268, Isuzu NRR, Freightliner M2 — we fund every major chassis and body builder. Most deals are used trucks identified at a dealer or through inventory listings. Pre-approval in 24 hours so you walk into the deal from a position of strength.
What a typical box-truck deal looks like
The cleanest box-truck deals on our desk follow a pattern: one to ten years of operating history, a specific used truck identified (often a 2018-2022 Hino 268 or Isuzu NRR at 80,000-200,000 miles), credit that's grown alongside the business, and a clear use — adding capacity for a growing DSP, replacing a worn-out moving truck, or starting an independent delivery route.
That profile gets bounced at most banks for one of three reasons: under 3 years in business, used equipment, or the bank doesn't have a medium-duty truck program at all. The dealer's finance company often won't touch used trucks outside their age and mileage limits. We look at the same file and see a credit-worthy operator with real revenue and a clear need for the truck.
When the deal closes, it's the program-network model doing the work: one application, the right program identified in 24 hours, soft credit pull only, title and lien work coordinated by us, wire to the seller the same week.
If your operation looks like that — DSP, mover, last-mile delivery — call us. We have programs built for exactly that profile.
Why TAC vs. one bank or the dealer's finance company
Most box-truck buyers take the deal to their business bank first and get rejected for used or under-3-years TIB. Then they try the dealer's finance company (Hino Financial, Daimler Truck Financial, Isuzu Finance) and get rejected for not buying brand-new from that specific dealer. Each rejection is another hard credit pull, another week lost, and another seller losing patience. TAC fixes that: one application, programs across every credit tier, soft credit pull, and the right fit identified in 24 hours.
Trust Alliance Capital is a Kaysville, Utah-based, BBB A+ rated commercial equipment finance company, family-owned since 2004 — same family, same office, same phone number for 22 years. The person who picks up the phone at 208-534-8525 is the same person who'll work your file through to funding.
Ready to talk about the truck you're buying?
Call 208-534-8525 · Apply online here
Tell us about the box truck you're buying.
Three minutes on the phone and you'll know what your deal looks like.